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Fair Credit Reporting: FCRA § 607, 15 U.S.C. § 1681e Compliance Procedures (see also FCRA §§ 604, 605)

Carson (Apr. 8, 1971)

Conway (May 6, 1971)

Russell (Jan. 30, 1973)

Grimes (Feb. 23, 1973)

Russell (Sept. 18, 1973)

Grimes (Jan. 9, 1974)

Russell (May 15, 1974)

Feldman (May 30, 1974)

Feldman (May 31, 1974)

Dea (July 19, 1974)

Feldman (Aug. 5, 1974)

Feldman (Aug. 21, 1974)

Feldman (Aug. 30, 1974)

Grimes (Oct. 15, 1974)

Peeler (Nov. 4, 1974)

Dea (Nov. 28, 1974)

Dea (Feb. 14, 1975)

Dea (Apr. 2, 1975)

Grimes (May 22, 1975)

Peeler (Mar. 8, 1976)

Peeler (Mar. 20, 1977)

Fair Credit Reporting: FCRA § 609, 15 U.S.C. § 1681g Disclosures to Consumers (see also FCRA §§ 610, 612)

Carson (Apr. 8, 1971)

Conway (May 3, 1971)

Martin (May 26, 1971)

Martin (June 11, 1971)

Carson (Apr. 13, 1972)

Bragg (May 15, 1972)

Grimes (Feb. 23, 1973)

Conway (Sept. 11, 1973)

Russell (Sept. 18, 1973)

Grimes (Jan. 9, 1973)

Peeler (Apr. 15, 1974)

Russell (May 15, 1974)

Feldman (May 22, 1974)

Feldman (May 30, 1974)

Dea (July 19, 1974)

Feldman (Aug. 21, 1974)

White (Apr. 9, 1976)

Peeler (Aug. 23, 1976)

Peeler (Mar. 23, 1977)

Peeler (Jan. 4, 1978)

Fair Credit Reporting: FCRA § 610, 15 U.S.C. § 1681h Conditions of Disclosure to Consumers (see also FCRA § 609)

Conway (May 3, 1971)

Carson (Apr. 13, 1972)

Russell (Sept. 18, 1973)

Grimes (Jan. 9, 1974)

Feldman (May 22, 1974)

Feldman (May 30, 1974)

Peeler (Mar. 23, 1977)

Peeler (Apr. 12, 1979)

Brinckerhoff (Nov. 23, 1983)

Harlow (Apr. 17, 1984)

Brinckerhoff (Aug. 29, 1985)

Grimes (Oct. 8, 1986)

Grimes (Oct. 10, 1986)

Grimes (Dec. 15, 1986)

Brinckerhoff (Aug. 4, 1987)

Brinckerhoff #1 (Sept. 11, 1987)

Brinckerhoff #2 (Sept. 11, 1987)

Brinckerhoff (Oct. 27, 1987)

Noonan (Mar. 15, 1989)

Fair Credit Reporting: FCRA § 611, 15 U.S.C. § 1681i Procedure in Case of Disputed Accuracy (see also FCRA § 612)

Conway (May 3, 1971)

Russell (Jan. 30, 1973)

Conway (Aug. 27, 1973)

Grimes (Jan. 9, 1974)

Feldman (Apr. 18, 1974)

Dea (July 19, 1974)

Feldman (Aug. 21, 1974)

Feldman (Aug. 30, 1974)

Peeler (Mar. 8, 1976)

Peeler (c. Apr. 1976)

Peeler (Aug. 23, 1976)

Peeler (Mar. 22, 1977)

Cook (Apr. 22, 1977)

Goldfarb (July 20, 1978)

Peeler (July 25, 1978)

Peeler (Nov. 7, 1978)

Federbush (Mar. 10, 1983)

Oliver (June 10, 1983)

Peeler (Aug. 9, 1983)

Brinckerhoff (Oct. 20, 1983)

Fair Credit Reporting: FCRA § 612, 15 U.S.C. § 1681j Charges for Certain Disclosures

Feldman (May 30, 1974)

Feldman (May 31, 1974)

Feldman (Aug. 30, 1974)

Peeler (Aug. 23, 1976)

Peeler (Mar. 20, 1977)

Brinckerhoff (July 30, 1985)

Brinckerhoff (Oct. 17, 1985)

Grimes (Apr. 30, 1986)

Grimes (Oct. 8, 1986)

Grimes (Oct. 10, 1986)

Grimes (Dec. 15, 1986)

Brinckerhoff # 1 (Sept. 11, 1987)

Jerison (Feb. 5, 1988)

Grimes (Jan. 17, 1989)

Brinckerhoff (June 26, 1998) Lee

Keller (Aug. 1, 2000) Cohan

Fair Credit Reporting: FCRA § 615, 15 U.S.C. § 1681m Requirements of Users of Consumer Reports

Carson (Apr. 9, 1971)

Silbergeld (Apr. 15, 1971)

Kahn (Apr. 27, 1971)

Conway (May 3, 1971)

Feldman (May 5, 1971)

Carson (May 21, 1971)

Wan (June 2, 1971)

Bragg (Dec. 3, 1971)

Carson (c. Jan. 12, 1973)

Russell (Jan. 30, 1973)

Grimes (July 5, 1973)

Wan (July 5, 1973)

Russell (Sept. 27, 1973)

Grimes (Dec. 19, 1973)

Grimes (Jan. 9, 1974)

Russell (Jan. 21, 1974)

Feldman (Apr. 18, 1974)

Russell (May 15, 1974)

Feldman (Aug. 30, 1974)

Feldman (Sept. 5, 1974)

Consumer Bankruptcy Law and Practice: 8.3.14 Proof of Insurance in Chapter 13 Cases

A debtor who is retaining personal property subject to a lease or securing a purchase money claim is required, within sixty days after the petition, to provide the lessor or creditor reasonable evidence of the maintenance of any required insurance coverage.169 Normally, such creditors or lessors already will know if insurance lapses, as they are named as loss payees in the policy. Only when insurance has lapsed will such evidence be important to creditors or lessors.

Consumer Bankruptcy Law and Practice: 8.3.15 Filing of Tax Returns with Taxing Authorities in Chapter 13 Cases

Chapter 13 debtors are required to file with the appropriate taxing authorities, by the day before the first scheduled section 341 meeting, all tax returns that the debtor was required to file for all taxable periods ending in the four years before the petition.171 If the debtor was not required to file a return for a particular tax year, no return need be filed for that year to meet this requirement. Presumably this provision applies only to returns that were not already filed, although it does not say so.

Consumer Bankruptcy Law and Practice: 8.3.16.1 Debtor Audits

The 2005 amendments added new provisions for audits to determine the accuracy, veracity, and completeness of debtors’ petitions, schedules, and other information required by sections 521 and 1322 of the Code.176 Most of the audits are conducted in random chapter 7 and chapter 13 cases, except that not less than one out of every 250 cases in each judicial district shall be selected for audit.177 There are to be other targeted audits of the schedules of income and expenses for those with unusually

Consumer Bankruptcy Law and Practice: 8.3.16.2 Rule 2004 Examinations

In rare instances in consumer cases, either before or after the meeting of creditors, the debtor may be ordered by the court to attend an additional examination. A creditor, the trustee, or any party in interest can seek an examination of the debtor (or any other entity) pursuant to Federal Rule of Bankruptcy Procedure 2004.

Consumer Bankruptcy Law and Practice: 8.4.1 Preparation

In many a routine chapter 7 bankruptcy, the only event of any real importance between filing and discharge is the meeting of creditors, sometimes colloquially called the “first meeting of creditors” or the “section 341(a) meeting” in honor of the relevant statutory provision. While it may pose occasional problems, this proceeding is usually routine and uneventful.